Disability

Communicating the Risk of Long-Term Disability

Good statistics are important, but they aren’t enough. People need to trust the source.

JHA Speakers: Share Data On 9-11-Related Mental Health Claims

An insurance group should support a project to find out how terrorist attacks, economic disasters and natural disasters affect the likelihood that U.S. residents with disability insurance will suffer from disabling mental health problems.

Experience Rating: How Much Do You Really Know?

What does a group's LTD experience really tell you? How much of the experience is a "known known" versus a "known unknown"? The goal of experience rating is to predict future results based on past experience. This, in itself, is both art and science as the past may not lead to similar results in the future. But one often overlooked issue is the certainty of past experience.

2008 Long-Term Disability Experience Study & Tables

The Society of Actuaries' Group Disability Insurance Experience Committee has completed their study of termination experience for the period 1997-2006.

New CIGNA Study Uncovers Relationship of Disabilities to Total Benefits Costs

CIGNA has released the findings of a new study that reveal an unmistakable trend: Integrating disability with health care programs has the potential to lower employers' total benefits costs and help disabled employees get back to work sooner and stay at work. As a result of the positive results found in the study, CIGNA is lowering its prices on disability benefits purchased with CIGNA medical coverage.

Pre-Game Coverage

Agents help prospective athletes insure their future—even before they’re eligible to turn pro.

JHA Announces 2009 U.S. Group Life and Disability

JHA, a division of Gen Re LifeHealth, is pleased to release the results of the 2009 U.S. Group Life and Group Disability Mid-Year Market Surveys. These leading industry benchmark surveys cover Group Term Life (Basic Term Life and Voluntary Term Life), Short Term Disability (STD) and Long Term Disability (LTD) sales and earned premium for the first half of the year.

JHA: 2008 US Group Disability Market Survey

Summary report provided at the JHA site. Mid-year summary and 2008 Individual summary report available as well.

Prior years' (2006 and 2007) summaries available at http://www.jhaweb.com/jsite/research/studies.aspx.

Underwriting Risks During a Downturn (Best's Review, May 2009)

Underwriters are seeing requests from clients to modify policy provisions in advance of anticipated layoffs. By Eric Swanson, Senior Marketing Underwriter, ING Reinsurance. Reprinted from May 2009 Best's Review.

2Q 2009 ROSE Resource (ING Re)

  • Success Beyond Infertility Treatment
  • Cognitive Changes Associated with Chemotherapy
  • Radiology Benefit Management: A Primer for Health Plans
  • When is the Right Time to Treat HIV Infection?
  • Earn CEUs through ING Reinsurance Teleconferences

2Q 2009 ING Reinsurance Disability Forum

  • Disabled by Illness, Injury, or the Economy
  • Disability Reserve Adequacy: Why So Messy?
  • Re-assessment of Inherent Conflict of Interest and Bias in the Claims Review Process: Practical Insights from the Supreme Court Decision in MetLife v. Glenn
  • Research Update 2nd Quarter 2009
  • Upcoming Disability Insurance Meetings

JHA Announces 2008 US Group Life and Disability Market Survey Results

JHA, a division of Gen Re LifeHealth, is pleased to release the results of the 2009 U.S. Group Life and Group Disability Mid-Year Market Surveys. These leading industry benchmark surveys cover Group Term Life (Basic Term Life and Voluntary Term Life), Short Term Disability (STD) and Long Term Disability (LTD) sales and earned premium for the first half of the year.

Depression and Work Related Disability: an introduction

Article on p. 19 of the newsletter of the Australian Life Underwriters and Claims Association.

Trends in Group Disability – Trying to Stay Ahead of the Curve

To spot a trend in clothing, you check out the fashionista as they flicker about with flair and flash, but how do you discover trends in group disability? I’ve yet to meet a case managerista and I am not really sure I want to (I’ve heard there might be a few in Toronto), says ING Re's Mark Taylor.

The Underwriter Value Proposition – A Consultant’s Perspective

Underwriters offer a critical perspective in the client service delivery process. And, while most underwriters identify themselves as being in the risk business, the great ones realize that they are also in the service business.

Develop Claimant-Specific Disabled Life Reserves with Predictive Modeling

Think back – do you remember at least one quarter where your company’s financial results were well below plan as a result of far more than expected new LTD claims? Do you also remember when, a couple of quarters later, the financial results were excellent, as many of these new claims terminated when they had proved to be not very severe?

LTD – Let Insurance Companies Insure

Underwriting insight from ING Re's Disability Forum newsletter.

Guy Carpenter: Reinsurers Like LTD

Good claims experience has helped bring down life and health reinsurance prices.

A consultant at Guy Carpenter & Company L.L.C., New York, gives that assessment in a mid-year review of the life and health reinsurance market.

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